We are excited to announce the 2026 Level UP Rewards Bonus!
Earn up to $550 when you submit between 4 and 7 life and health policies1 with theLevel UP Rewards Bonus. Whether you are building your foundation or working toward long-term growth, this program recognizes your commitment to selling Empire Life life and health products that meet your clients’ needs.
Payouts follow a graduated progression up to a total of $550 in potential rewards:
1Solution Series®, Term to 100, Guaranteed Life Protect®, CI Protect®, CI Protect Plus®, Empire Life Disability Credit Protect®, EstateMax®, Optimax Wealth® and Advisor-Assisted Simplified 10 and 20, available through select distribution channels and associated additional benefits.
Great news for advisors! Empire Life Fast & Full® Investments e-application is now even more flexible; up to 10 investment options can now be added when applying for a segregated fund contract.
2026 semi-annual client statements now available on MyEmpire®
If your clients opted for eStatements, they received this email on July 20 asking them to log in to MyEmpire® to download their statements. To view the individual account statements, please visit My Advisor Dashboard.
Printed statements will continue to be mailed for the next week. Bulk Investment statements will be available by the end of this week.
Reminder: Total Cost Reporting (TCR) changes
The 2026 semi-annual client statements will include this letter explaining upcoming changes to their December 2026 year-end statements, including a new look for their statements and enhanced fee disclosure based on regulatory changes under Total Cost Reporting (TCR).
Corporate-Owned Segregated Funds: Strategies, Tax and Estate Planning
When managing corporate surplus cash, business owners face a delicate balancing act: maximizing investment growth while protecting their capital from market volatility and high corporate tax rates.
This upcoming session explores how to use segregated funds effectively for your business clients. We will cover flow-through tax structures, Capital Dividend Account (CDA) optimization, and how to precisely structure ownership to avoid punitive shareholder benefit traps.
📅 Date: Tuesday, July 28, 2026 🕑 Time: 2:00 p.m. ET
This webinar is also available in French on Wednesday, July 29, 2026 at 10:00 a.m. ET
BLOG: Did you know Homebuyers can save up to 62%1 with Life Insurance instead of Mortgage life Insurance?
Buying a home in Canada is expensive, with the average new mortgage loan reported at $360,597, up from $271,895 reported just 10 years prior2.
Keeping costs low and money in your clients' pocket can be challenging. One way to help them save is by helping them understand the types of mortgage life insurance and evaluating all of the options. For example, with Empire Life's Solution 25® Term Life Insurance instead of mortgage life insurance from the banks, your clients get greater flexibility and coverage for less.
1 Savings percentage is based on the monthly premiums for Solution 25 vs. an average of the monthly premiums charged by the top 5 banks for mortgage life insurance. Solution 25 premiums are guaranteed not to change for 25 years if paid when due.
2 The average cost of the top five banks’ mortgage life insurance premium, including 8% PST in Ontario, is the average of the monthly premium of mortgage life insurance offered by Scotiabank ($103.95), BMO ($90.72), TD Canada Trust ($86.13), RBC ($60.48), and CIBC ($90.72) for the same individual obtaining a $400,000 mortgage as determined by Empire Life in a survey conducted March 2026. Premiums for mortgage life insurance stay the same, but the amount of coverage decreases as your mortgage balance decreases. Term life insurance and mortgage life insurance have different features and eligibility requirements.
Unlock more value for your affluent clients
When working with affluent and corporate clients, traditional investments can present tax inefficiencies and exposure to market volatility.
Empire Life Participating Account delivered an average return of 6.85% over the last 30 years with smaller standard deviation than S&P/TSX Composite Total Return Index. Read the account summary.
DBRS Morningstar has confirmed our ratings at A (high) thanks to our midsize position in the Canadian life insurance market, diversified earnings sources and well-capitalized position.
For market insights, portfolio updates and product news, subscribe to our YouTube channel!
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® Empire Life and the Empire Life logo are registered trademarks of The Empire Life Insurance Company.
Policies are issued by The Empire Life Insurance Company.
All other trademarks are the property of their respective owners.
A description of the key features of the individual variable insurance contract is contained in the Information Folder for the product being considered. Any amount that is allocated to a segregated fund is invested at the risk of the contract owner and may increase or decrease in value. Please read the information folder, contract and fund facts before investing. Performance histories are not indicative of future performance.
Empire Life Investments Inc. is the Portfolio Manager of certain Empire Life segregated funds. Empire Life Investments Inc. is a wholly-owned subsidiary of The Empire Life Insurance Company.
CONTACT US
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